Credit Repair Nerds Authorization Agreement

Office (832) 437-4621 Fax (832) 203-4506.

First Name_____________________ Last Name ____________________________________

Social Security_____________________ Date of Birth _______________________________

First Name (Spouse)_________________ Last Name (Spouse)_______________________________

Social Security (Spouse)___________________________ Date of Birth (Spouse)_______________________________

Street Address City, State & Zip ______________________________________________________

Daytime Phone____________________ Evening Phone __________________________

E-Mail ______________________________________________

Credit Repair Organization Act. Requires any consumer entering into any contract with any credit repair organization to be given a copy of the completed contract with disclosure statement and a copy of any other documents the credit repair organization requires the consumer to sign.

Disclaimer. Implied or expressed guarantees do not apply. We honor this guarantee only: While we can not guarantee a complete restoration of your credit, we do guarantee and state that we will IMPROVE your credit. If we fail to do so, we will refund your money back.

Please Note: If documentation requested by us, from you for the credit repair is not forwarded to our office

the refund policy will be void.

Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company has the right to have accurate, current, and verifiable information removed from your credit report, The credit bureau must remove all inaccurate information from your report only. Some debts can and will remain for 7 years. Bankruptcy information can be reported for 10 years. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file, The credit bureau must then re-investigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau, If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.

I understand that I need to forward ALL correspondence received from the three Credit Bureaus to the Credit Innovations office via mail, scan/email or fax. Signature_________________________

Signature (Spouse)______________________________

I (WE) the above signed do hereby authorize and understand that it may result in inquiries on my credit report(s). In addition I also grant a limited power of attorney to Credit Innovations. This authorizes Credit Innovations to act as an agent on his/her behalf with regard to signing their names to any and all documentation for the sole purpose of credit correction. I understand that this process takes 45 to 180 days. I further understand that additional time may be needed in certain situations to ensure the best results. I also agree to pre-pay $399.00, $699, or $999 (or what is stated below). This is refundable only in the event that no updates appear in my credit file. Updates pertain to deletions or increases in your credit score. You also have the option to do a payment plan. (60 day update plan) $199 enrollment and 6 monthly payments of $50.

(120 day update plan). $299 enrollment and 6 monthly payments of $67. (180 day update plan) $399

enrollment and 6 monthly payments of $100. If you are put on the payment plan, you must pay out your

contract even if we have finished processing your credit disputes.

Additional fee's apply: Public Records. Judgments. Tax Liens. Bankruptcies. Foreclosures. Those records

will be an extra $100 per item for all 3 bureaus. Not to be charged per bureau. This is to be paid up front

and does not guarantee removal.

Custom Payments. Every now and then, a client will need special needs. If that is the case, the fee's will be

agreed upon by you the customer and one of our licensee's and specified below.

Declined/Late Payments. There will be a $25 late fee charged to any client whose credit card or debit card is declined on scheduled due date. If scheduled payment cannot not be made, you must notify us 24 hours before payment is due. Payment cannot be rescheduled.

Credit Repair Nerds does not charge for the actual credit repair. All charges are to cover labor forms, and misc expenses incurred while working my file. Our fees cover 45 days-180 days of disputes. Charges also

include our consulting services and help with establishing positive trade lines.

SEC. 407. RIGHT TO CANCEL CONTRACT. (A) In General. --Any consumer may cancel any contract with any credit repair organization without penalty or obligation by notifying the credit repair organization any time before midnight of the 3rd business day. To cancel this contract, mail or deliver a signed dated copy of this contract and cancellation notice, or any other written notice to Credit Innovations/Credit Repair Nerds before midnight on the 3rd day after agreement has been signed.

Terms of Service. (Please Initial).Fees: $_______________ (Enrollment). ______(Initial)Fees: $_______________ (Monthly Payment). _______(Initial)Fees: $_____________( Paid in Full). __________(Initial)

Term of Contract for Monthly Payments: ________________(Months). _______(Initial).

Authorized User Accounts. $_________________(3 months). __________(Initial).

Please Circle for AU Accounts. Discover. Kay Jewelers. Hsbc Bank. Capital One.

Refunds will ONLY be given if there has been zero positive changes on your credit report. Customer must

follow our program and instruction given by their licensee.(After your contract has expired). ______(Initial).

No refunds during your contract will be given. _____(Initial).

Credit Repair Nerds reserves the right to cancel the contract at any time. A pro-rated refund will be given. ______(Initial).

If a new collection hits your credit reports while we are working on your file during your contract period, we must start your file over from the beginning. New charges will apply depending on what the new collection that is reporting consists of._______(Initial).

If you decide to cancel or charge-back your credit/debit card fee's within or after your contract, has expired we will turn your account over to our attorney and they will pursue to collect the balance due. If not paid, they will report your debt to the credit bureaus. _______(Initial).

The terms of Service are for our protection. You must give us the full term of your contract to achieve the results we are trying to obtain. If we finish your credit reports in an earlier time frame, then great!! As always, we thank you for your business. If you have any questions, please email or call your representative.